Your home. Your life. Let’s plan for both.
Ritu Sachdeva arranges Ontario mortgages and life and health insurance. Choose the hand that holds your question.
AI-generated illustrative character. Not Ritu’s portrait.
The house leads to mortgages. The folder leads to insurance.
Two licences. One person to call.
Home financing and protection often come up in the same season of life. Ritu is licensed for both, and tells you which role she is acting in.
Mortgage Agent Level 1
Ritu Sachdeva, M18001896
Centum Financial Services Limited Partnership
Brokerage licence 13054
Life Insurance & A&S Insurance Agent
Ritu Sachdeva, 26251701
Insurance affiliation: MS Insurance Inc.
A real conversation starts here.
Office 905-808-1781, email ritu@ritu.ca
Buying, renewing or refinancing
A first home, a renewal or a change in plans. Understand the process, the documents a lender may ask for and the questions worth asking before you sign.
- First home
- The application, lender requests and the costs beside your down payment.
- Renewal
- Your lender’s offer, timing and remaining amortization.
- Refinance
- Your goals, current terms and potential costs. Subject to lender approval.
Protect the people who count on you
Begin with who depends on you, what you owe and the questions you want answered. Coverage always depends on the insurer, underwriting and the policy itself.
- Life
- Coverage for a defined period or permanent coverage.
- Critical illness & disability
- Definitions, waiting periods, exclusions and limits.
- Accident & sickness
- Options that depend on insurer requirements.
Thinking longer term? Read about insurance-based investments, their fees and their risks.
A separate credit conversation
Ask about an unsecured line of credit. This is an enquiry, separate from mortgage services.
$50,000*Unsecured line of credit, up to
Prime + 0.50%*Proposed pricing
*Terms and conditions apply. Subject to lender review and approval. Amount, pricing and availability require provider confirmation; they are not guaranteed. Prime means the lender’s variable prime rate. This is an enquiry, separate from mortgage services.
Try the numbers before you call
Simple illustrations that run in your browser. They help you prepare; they are not quotes, advice or an eligibility decision.
Renewal coming up?
Tell Ritu what you’re paying or what you’ve been offered. Only your name, email and phone are needed. A lower rate is not guaranteed.